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Student loan borrowers were targets for scams before the coronavirus pandemic hit. The longer people struggle, the more desperate they become, and that’s when scammers and fraudsters thrive.“They’re using the same playbook, but more aggressively,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.There’s no single scam related to coronavirus relief or specific company to pinpoint that is being prosecuted right now, says Leslie Tayne, a debt-relief attorney and founder of Tayne Law Group. But fraudsters are still out there.There are two main types of scams, says Frotman. In one scam, a company will charge to enroll you in a benefit you could have accessed for free, such as a federal income-driven repayment plan.Tayne says she most often sees scammers promising to get borrowers into a loan deferment program in exchange for payment.In another scam, you’re promised something too good to be true — like forgiveness — in exchange for payment. Then they take your money and run.“It used to be called the Obama Loan Forgiveness scam, and now there’s the CARES Act Forgiveness scam,” says Persis Yu, director of the nonprofit National Consumer Law Center’s Student Loan Borrower Assistance Project.“Borrowers should always look upon advertising that is promising forgiveness with skepticism,” says Yu. No student loan forgiveness was included in the March coronavirus relief package.How to figure out what is legitAs you’re assessing what is real and what is not, take a beat to independently verify a company on third-party sites like the Better Business Bureau’s. Here’s what else you can do:See if there are news stories about scams alongside a business’s name in an online search. Remember: Anyone can pay for a domain name and start a website. Logos, addresses and mailers are easy to replicate, too.Be wary of solicitations that arrive in your inbox or that you see on social media ads. Even if you’re contacted by a party that has your personal information, it doesn’t mean it’s a legitimate organization, says Tayne.If you get a robocall regarding student loan repayment during the coronavirus pandemic, don’t call back. The Federal Communications Commission has seen these and is warning consumers not to fall for these scams.Real relief measures available for borrowersThe coronavirus relief package did include provisions for most federal student loan borrowers, but not private loan borrowers. Individual private lenders are offering benefits such as short-term emergency deferment or waived late fees.Federal loan borrowers are in the midst of a six-month automatic forbearance — with no interest — retroactive to March 13 and lasting through Sept. 30, 2020. Borrowers with loans in default also get relief from collection activities like wage garnishment.However, the implementation of these benefits hasn’t been smooth, says Yu. The National Consumer Law Center and another nonprofit, Student Defense, sued the U.S. Department of Education over allegations that the department continued garnishing wages despite the provision in the law that prohibits it.Implementation mistakes have left borrowers more vulnerable to getting scammed, says Yu.“They’re desperate, and they might be entitled to relief and they’re not getting it,” she says. “Our policymakers and the Department of Education need to step up to get this right so borrowers are not driven to companies leeching off their desperation.”You should be receiving all relief automatically for federal loans. If you’re not, contact your servicer and make a complaint in writing.What to do if you’ve been scammedIf you’ve been scammed, the first thing you need to do is get control of your accounts.“One common iteration of these scams is the company will take over the FSA ID or servicer account and redirect any communications to that company,” says Yu. (The FSA ID is the unique username and password used to log into the federal student aid online system.)? If you’ve given a scam company your password, change your password. You may need to change the email address your account is linked to.? Make sure to report the scam to authorities as well, says Tayne, and hold onto copies of those reports.? The Federal Trade Commission, your state attorney general and the Consumer Financial Protection Bureau are options for reporting scams. Each one actively pursues student loan scammers, but they rely on borrowers to self-report.? If you’re looking to take legal action, contact a legal services organization (if you’re income-eligible) or hire a lawyer.Frotman, Yu and Tayne each said that borrowers sometimes get their money back, but it takes effort.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisFederal Loans Are Paused for 6 Months — Should You Pay Anyway?Student Loan Customer Service: What Your Servicer Can DoAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 4999

TERRE HAUTE, Ind. (AP) — The Trump administration has carried out its ninth execution of the year and the first during a presidential lame-duck period in 130 years. Federal prison officials in Terre Haute, Indiana, on Thursday, executed a Texas street-gang member for his role in the 1999 slayings of an Iowa religious couple. The case of 40-year-old Brandon Bernard was a rare execution of a person who was in his teens when his crime was committed. Bernard was pronounced dead at 9:27 p.m. Eastern time on Thursday, the AP reported.He was 18 when he and four other teenagers abducted and robbed Todd and Stacie Bagley on their way from a Sunday service in Killeen, Texas. According to the Associated Press, reality TV star Kim Kardashian West had even asked President Trump to commute Bernard’s sentence to life in prison.Bernard's last words, which were directed to the Bagley family, were "I'm sorry," the AP reported.Four more federal executions, including one Friday, are planned in the weeks before President-elect Joe Biden's inauguration. 1055

Taylor Swift?is helping a fan of hers in need.The singer donated ,500 to a GoFundMe page that is raising money for the family of a mother, Lauriann Bartell, who has been in a coma for the past three years.Bartell's 19-year-old daughter, Sadie Bartell, tweeted a link to the GoFundMe page and said that her mother went into a coma two days before she went to see Swift in concert. "Hey guys. I'm really nervous to post this. Please help if you can and pray for my family. I'm sorry I never said anything sooner and that I'm suddenly asking for help. I love you guys so much," she wrote in a message she posted with the tweet.She added, "I'm grateful to Taylor for keeping me afloat through it all."Swift made the donation to the online platform over the weekend with the message, "Love, Taylor, Meredith and Olivia Swift." Meredith and Olivia are her two cats.Bartell took to Twitter after Swift's donation and posted a message in disbelief. "Taylor really actually donated to me and followed me and liked my thank you to her like that actually happened it's my life it's real," she tweeted.She went on to post a more lengthy message on Facebook, "Everyone who knows me knows that Taylor Swift is my whole entire life. She has been there for me more than anyone. I really, truly, would not be who I am without her. Today she read my family's story online and out of the goodness of her heart donated to us. She shows up every time I need her. She always has and she always will. I wish that I could express how much it means to me that ANYONE has helped my family over the years, let alone Taylor."Bartell added, "She is the light at the end of the tunnel and is truly the best thing that has ever happened to me. I will never be able to comprehend this. She is a miracle in herself. She just gave my family exactly what we need to carry on. This sounds so composed and so collected but in reality I've been crying for hours and my hands are shaking so hard I can barely type this. Taylor Swift, I love you more than I could ever say. Thank you for this. And for everything else. Forever on your side and thanks for being on mine."CNN has reached out to Swift's representative for comment. 2204

The American Bar Association will no longer review its "well qualified" rating of Justice Brett Kavanaugh now that the Senate confirmed him, an ABA official told CNN Monday.The official, who declined to speak on the record, cited an ABA policy of ending its rating process once a nominee is confirmed."Per the published policy and historical practice of the Standing Committee on the Federal Judiciary, once a justice or judge is confirmed, the Standing Committee's rating process is closed," the ABA's website states.The group had previously said that because of the allegations against Kavanaugh of sexual assault and conduct during his September 27 Senate Judiciary Committee hearing, it would reevaluate its rating. Kavanaugh has denied the allegations against him.The ABA's president had also taken the extraordinary step for the group by calling for the Judiciary Committee to delay its vote on Kavanaugh. 919

That often-blurred line between the office and home is now a little clearer for one creative teacher.Move over Chip and Joanna Gaines.With advance notice he would not be returning to the classroom because of the coronavirus, Cory Streets got to work on a special summer project.Streets just completed an amazing transformation, turning a storage shed in his backyard into a space dedicated to scholastic achievement - like something straight out of an episode of 'Fixer Upper' on HGTV, on a much smaller budget.“Got a can of mis-tinted paint and a carpet remnant. I’m hoping it’ll be a fun way to break up some of the monotony," said Streets.With a young daughter and a second child arriving in October, Streets found himself with limited spots to set up shop inside his home.“It’ll give me a place to come and work quietly," said Streets.Instead of rakes and shovels, Streets filled the shed with all the tools he needs to help his students grow despite being miles apart.“I wanted to make this a more fun and enjoyable experience for myself, but also for the students," said Streets.The consistency of connecting in this newly-created classroom, which has been dubbed the "Mr. Streets Center for Remote Sheducation," is not only expected to help Streets stay focused; he says it will also do the same for his students.“It’ll feel more comforting, it’ll feel predictable, it’ll feel like a routine," said Streets.Streets said there's a lesson his students can learn from the new workspace and that is you have to make the best of a challenging moment.“We’re gonna have a good time, we’re gonna learn some stuff. You can take a difficult situation and make it fun," said Streets.As for what happens to the transformed shed when Streets and his fellow teachers return to the school building?"I can take down some educational posters and put some Cleveland Browns and Indians things and there we go, easy man cave space," said Streets.This story was first reported by Mike Brookbank at WEWS. 2004

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